What Actually Happens When HDB Confiscates Your Flat?

One thing that tips the balance in favour of the latter argument is the fact that the HDB has the right to confiscate or repossess your flat if you do something unacceptable in the eyes of Big Brother.

In fact, from 2012 to 2014, 202 flats were seized by the HDB because their owners had committed infringements like illegal subletting or buying private property before their Minimum Occupation Period was up, or had failed to repay their home loans.

But what does that actually mean? Can the government just take your home away from you?

This means that it will be easier for you to be allocated a smaller flat if you can afford one, as well as to get an HDB loan to finance it.

You might also be offered a rental flat if you can’t afford any other housing options, but be warned that HDB will try to get you to move in with family members first.

For some HDB owners, getting having a flat confiscated is tantamount to losing their life savings or kissing their retirement goodbye. Moral of the story? Never try to bend the rules when it comes to HDB property, as the consequences are disproportionately grave.

Are you in favour of the HDB being able to confiscate flats for infringements? Share your views in the comments.

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In my previous life, I was a property lawyer who spent most of my time struggling to get out of bed or stuck in peak hour traffic. These days, as a freelance commercial writer, I work in bed, on the beach, in parks and at cafes, all while being really frugal. I like helping other people save money so they can stop living lives they don't like.